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Best Travel Credit Card In 2024

Exclusive welcome offer from Milesopedia:

  • Get up to 35,000 reward points
  • Save on annual fees for the first year
  • Enter for a chance to win one (1) of five (5) $2,000 Transat travel credits.
  • Apply for membership for a National Bank® World Elite® Mastercard® credit card via the redirection link available on the Milesopedia website and be approved during the contest period as the primary cardholder.

Card features:

  • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
  • Earn 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte (TM) travel purchases*
  • Earn 1 point per 1 dollar in other purchases
  • Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
  • Your credit card gives you access to a multitude of rewards. Our customers choose from several options to treat themselves with the points they have accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more
    • Make a payment on your credit card with your points
    • Contribute to your RRSP and TFSA
    • Make a donation to one of the participating charities
    • Plan a trip when you can travel again
    • And more!
  • Free and unlimited access along with one (1) guest to the National Bank Lounge at Montréal-Trudeau airport.
  • Enjoy up to 60 days’ coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
Legal

Conditions – World Elite Card Promotion – Milesopedia

Length of the welcome promotion

From April 15 to June 15, 2024.

Eligibility conditions

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion as a primary cardholder.
  • Sign up via the redirection link provided on Milesopedia’s website during the promotion.
  • Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
  • Keep the credit card account open until rewards points are paid. Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Description of the promotion

Annual fee

No annual fee for the first year for the primary cardholder.

We will charge these annual fees to your new card account and then refund them to you. You will receive this refund within five months of opening your account, provided that your account is still open. It will appear on your statement as a credit.

Annual fees for cards of other authorized users are not eligible for this promotion.

Reward points

Points Offered Conditions When points are awarded to the account
10 000 $5,000 in purchases in the first three months. In the three months following the purchase calculation period.*
10 000 $10,000 in purchases in the first 6 months.
15 000 $20,000 in purchases in the first 14 months.

* The calculation period begins from the date of card membership. For example, if you join the card on May 15, you have until August 15 to make the required number of purchases to earn the offered points, and these will be credited to your account by the end of October 2024.

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

  • You can only take advantage of the promotion once.
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

Conditions of the Mastercard World Elite and Transat Contest

No purchase necessary. Open only to Canadian residents who have reached the age of majority in their province as of the contest opening date. The contest begins on April 15, 2024, at 8:00 a.m. (ET) and ends on June 15, 2024, at 11:59 p.m. (ET).

To participate, you must :

  • Apply for membership for a National Bank® World Elite® Mastercard® credit card via the redirection link available on the Milesopedia website and be approved during the contest period as the primary cardholder.
  • Apply for membership via the redirection link available on the Milesopedia website, during the contest period.
  • Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
  • Must not be employed by Transat or any entity within our group.

Prize: five (5) Transat travel credits valued at $2,000 each, exclusively for the purchase of a Transat or Air Transat product, redeemable at any time, only with À la carte TravelTM agency. (https://rewards.nbc.ca/travel).

To book or inquire about our travel offers, please contact À la carte TravelTM at 514-871-3040 or 1-800-561-3653 and mention that you have a travel credit.

Travel booking must be made directly with the designated agency 30 days prior to departure and applies to Transat and Air Transat products. In addition, subject to availability and current schedule. If the total price of the trip exceeds $2,000, you will be required to pay the difference.

Transat and Air Transat’s general terms and conditions will apply to the booking, including in the event of cancellation for health or other reasons. Please consult transat.com for all details; It is the responsibility of the winner and their travel companion to obtain the necessary travel documents and travel insurance prior to departure, at their own expense.

The odds of winning depend on the total number of eligible entries received as of the draw date. An exact answer to a mathematical skill question is required.

Regulations are available online here.

 

*Grocery and Restaurant: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases The accumulation of 5 points per dollar of purchase is valid until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub.

Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points.

Recurring Bill: Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchaseFor example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions.

For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1st and December 31 of each year is $150.

Eligible expenses include:

      • airport parking fees
      • baggage fees
      • seat selection fees
      • access to airport lounges worldwide
      • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,538
  • Year 2+ $923
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 1.5% cash back on online purchases
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Earn up to 1.5% cash back on eligible purchases (gas, groceries and online)
  • Earn unlimited 1% cash back on all other qualifying purchases
  • Earn a minimum of $25 cash back and access your account online to apply it to your credit card statement
  • Purchase insurance against theft or damage
  • Extended warranty
Legal

Cash back details

All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $30
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries1.5%
  • Gas1.5%
  • Online transactions1.5%
Value
  • Year 1 $252
  • Year 2+ $252
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No minimum income required
  • Purchase Insurance
  • Accepted at Costco
Learn More
Best Credit Card For Young Professionals In 2024
  • Earn up to 2 points per dollar spent on certain purchase categories*.
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight and baggage delay insurance
  • Car rental insurance
  • Purchase insurance against theft or damage
  • Extended warranty
  • Mobile devices insurance against theft or damages for a period of up to 2 years
Legal

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $70
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Gas1.5Points
Value
  • Year 1 $209
  • Year 2+ $209
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Earn up to 2 points per dollar spent
  • Benefit from a complete travel insurance
  • Out-of-Province Hospital Medical Insurance, Trip Interruption Insurance, Trip Cancellation Insurance, Flight Delay Insurance, Baggage Delay Insurance, Stolen or Lost Baggage Insurance
  • Medical, general and legal assistance
  • Purchase insurance against theft or damage
  • Extended warranty
Legal

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $115
  • Additional card $35
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • All Spending1.25Points
  • Groceries1.25Points
  • Gas1.25Points
Value
  • Year 1 $155
  • Year 2+ $155
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No annual fee
  • Purchase Insurance
  • Accepted at Costco
Learn More
Best credit card for newcomers in 2023
  • 1% cashback on purchases in restaurants and eligible recurring pre-authorized payments
  • 0.5% cashback on other eligible purchases
  • Mobile protection: Get insured against theft or damage for up to 2 years following the purchase of your mobile device
Legal

Cash back details

Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to theCash Back Program[PDF].

Mobile device protection

Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

TM mycredit is a trademark of National Bank of Canada.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Dining and Food delivery1%
  • Recurring Payments1%
  • Telecom/Internet1%
Value
  • Year 1 $148
  • Year 2+ $148
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Your cause, your card. Designed for women, the Allure card allows you to support the Quebec Breast Cancer Foundation.
  • Easily earn 1 point for every $2 in purchases and receive $10 cash back for every 1,000 points earned.
  • Receive a 10% discount on the purchase of certain gift cards
Legal

Cash back details

The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF] [PDF].

Discount on gift cards

The 10% discount on gift cards applies to the total amount when purchasing on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (as per partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced if damaged, lost or stolen. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used in all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store items only. If you have any questions about Gap, Old Navy and Banana Republic gift cards, please call 1-800-GAP-STYLE, 1-800-OLD-NAVY and 1-888-BR-STYLE respectively.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $120
  • Year 2+ $120
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Take advantage of a simple, efficient and convenient payment solution.
  • Access funds from anywhere in the world.
  • Protect your purchases with a purchase insurance program.
  • Free yourself from liability for unauthorized purchases with the MasterCard® Zero Liability program.
Legal

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • All Spending0.00%
  • Groceries0.00%
  • Gas0.00%
Value
  • Year 1 $0
  • Year 2+ $0
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Purchase protection
  • Extended warranty
Legal

Interest rates

The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

Purchase Insurance

This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $35
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 11.20 %
  • Cash Advance Rates 15.20 %
  • Balance Transfer Rates 15.20 %
Value
  • Year 1 $-35
  • Year 2+ $-35
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Credit card